Home Mf Research Aditya Birla Sun Life Retirement Fund 40s Plan Regular Plan Growth

Aditya Birla Sun Life Retirement Fund - 40s Plan Regular Plan - Growth

-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
Fund info
NAV (as on 2025-07-18)
18.90 -0.44%
AUM (Fund Size)
N/A
Expense Ratio
2.07%
Exit load
Nil
Risk
N/A
AMC
Aditya Birla Sun Life Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,003.35
0.33 %
Two Week 2025-07-03 ₹1,000.00 ₹997.73
-0.23 %
One Month 2025-06-18 ₹1,000.00 ₹1,011.78
1.18 %
Three Months 2025-04-21 ₹3,000.00 ₹3,079.11
2.64 %
Six Months 2025-01-20 ₹6,000.00 ₹6,338.20
5.64 %
One Year 2024-07-18 ₹12,000.00 ₹12,669.73
5.58 %
Three Year 2022-07-19 ₹36,000.00 ₹45,020.87
25.06 %
Five Year 2020-07-20 ₹60,000.00 ₹82,563.46
37.61 %
Since Inception 2019-03-11 ₹78,000.00 ₹116,241.92
49.03 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 100%
Debt 458%
Others 4%

Sectors Holding in Aditya Birla Sun Life Retirement Fund - 40s Plan Regular Plan - Growth

Other
462%
Banks
10%
Construction
0%
Petroleum Products
12%
IT - Software
8%
Personal Products
0%
Ferrous Metals
2%
Retailing
0%
Pharmaceuticals & Biotechnology
6%
Insurance
2%
Industrial Products
8%
Transport Infrastructure
2%
Realty
6%
Gas
2%
Non - Ferrous Metals
0%
Auto Components
2%
Consumer Durables
2%
Transport Services
2%
Finance
6%
Industrial Manufacturing
0%
Agricultural Food & Other Products
2%
Commercial Services & Supplies
2%
Capital Markets
2%
Healthcare Services
0%
IT - Services
6%
Cement & Cement Products
2%
Automobiles
2%
Chemicals & Petrochemicals
2%
Power
0%
Food Products
0%
Beverages
0%
Fertilizers & Agrochemicals
0%
Telecom - Services
8%
Electrical Equipment
0%
Oil
2%
Diversified Metals
2%

Companies Holding in Aditya Birla Sun Life Retirement Fund - 40s Plan Regular Plan - Growth

Aditya Birla Sun Life Arbitrage Fund - Growth - Direct Plan
35.95%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth
35.79%
Aditya Birla Sun Life Corporate Bond Fund - Growth - Direct Plan
22.05%
Aditya Birla Sunlife Floating Rate Fund - Direct Plan - Growth
6.03%
Clearing Corporation Of India Limited
13.06%
Net Receivables / (Payables)
2.26%
ICICI Bank Limited
1.93%
HDFC Bank Limited
2.23%
Larsen & Toubro Limited
0.51%
Hindustan Petroleum Corporation Limited
2.33%
LTIMindtree Limited
2.26%
Tech Mahindra Limited
0.48%
AU Small Finance Bank Limited
2.09%
Godrej Consumer Products Limited
0.52%
State Bank Of India
0.88%
Bharat Petroleum Corporation Limited
1.97%
Jindal Steel & Power Limited
1.94%
Eternal Limited
0.23%
Cipla Limited
0.18%
ICICI Lombard General Insurance Company Limited
1.79%
Axis Bank Limited
0.77%
Sun Pharmaceutical Industries Limited
0.64%
Reliance Industries Limited
3.24%
Kirloskar Oil Eng Ltd
1.72%
Adani Ports And Special Economic Zone Limited
1.70%
Prestige Estates Projects Limited
1.65%
SBI Life Insurance Company Limited
0.28%
GAIL (India) Limited
1.57%
Hindalco Industries Limited
0.85%
SJS Enterprises Pvt Limited
0.42%
Kajaria Ceramics Limited
1.56%
InterGlobe Aviation Limited
1.51%
AIA Engineering Limited
1.45%
V-Guard Industries Limited
0.07%
Bajaj Finserv Limited
1.44%
Titan Company Limited
0.90%
Kotak Mahindra Bank Limited
0.32%
Praj Industries Limited
0.24%
Cummins India Limited
1.23%
Balrampur Chini Mills Limited
1.21%
EClerx Services Ltd.
1.20%
Angel Broking Limited
1.20%
APL Apollo Tubes Limited
1.19%
Fortis Healthcare Limited
0.88%
Affle (India) Limited
1.16%
Coforge Limited
1.84%
Home First Finance Company India Limited
1.10%
Persistent Systems Limited
1.09%
Emcure Pharmaceuticals Ltd
1.08%
L&T Technology Services Limited
1.04%
JK Cement Limited
1.03%
Avenue Supermarts Limited
0.37%
TVS Motor Company Limited
1.03%
Atul Limited
1.02%
Cyient Limited
1.01%
Bajaj Finance Limited
1.75%
BSE Limited
0.31%
Greenply Industries Ltd
0.99%
Eureka Forbes Ltd
0.98%
Sobha Limited
0.96%
Craftsman Automation Ltd
0.96%
Mahanagar Gas Limited
0.92%
Shivalik Bimetal Controls Ltd
0.92%
Sona BLW Precision Forgings Limited
0.33%
ALEMBIC PHARMACEUTICALS LIMITED
0.91%
Cholamandalam Investment And Finance Company Limited
0.10%
NTPC Limited
0.20%
IPCA Laboratories Limited
0.84%
Bikaji Foods International Ltd
0.72%
United Breweries Limited
0.70%
Poonawalla Fincorp Limited
0.70%
Metro Brands Limited
0.69%
The Federal Bank Limited
0.58%
PI Industries Litmited
0.64%
VRL Logistics Limited
0.55%
Blue Star Limited
0.53%
Supreme Industries Limited
0.47%
Orient Electric Ltd.
0.43%
CreditAccess Grameen Limited
0.26%
Government Of India (17/04/2030)
3.02%
Infosys Limited
0.78%
Bharti Hexacom Limited
3.18%
UltraTech Cement Limited
0.80%
SAI Life Sciences Ltd
2.63%
TD Power Systems Limited
0.60%
Brigade Enterprises Limited
2.28%
Bajaj Auto Limited
0.56%
Dixon Technologies (India) Limited
0.52%
SBFC Finance Ltd
0.41%
Max Financial Services Limited
0.85%
Oil & Natural Gas Corporation Limited
1.16%
Vedanta Limited
1.13%
Torrent Pharmaceuticals Limited
0.44%
Bank Of Maharashtra
0.35%
CIE Automotive India Ltd
1.01%
Mrs Bectors Food Specialities Limited
0.30%
Voltas Limited
0.88%
Whirlpool Of India Limited
0.32%
Thermax Limited
0.80%
H.G. Infra Engineering Limited
0.27%
Vinati Organics Limited
0.43%
Bank Of Baroda
0.37%
TIMKEN INDIA LTD
0.60%
Birlasoft Limited
0.38%
Container Corporation Of India Limited
0.15%
Medi Assist Healthcare Services Ltd
0.21%
8.55% HDFC Bank Limited (27/03/2029)
5.93%
Government Of India (14/08/2033)
20.19%
Government Of India (22/04/2064)
9.01%
State Government Securities (24/06/2025)
5.73%
Government Of India (06/02/2033)
9.13%
0% GOI - 16DEC25 STRIPS
0.25%
Bharti Airtel Limited
1.06%
METROPOLIS HEALTHCARE LIMITED
0.96%
Apollo Hospitals Enterprise Limited
0.42%
Abbott India Limited
0.24%
Government Of India (08/04/2026)
42.47%
Government Of India (05/12/2033)
17.25%
State Government Securities (28/12/2026)
1.44%
State Government Securities (14/10/2025)
1.35%
State Government Securities (31/03/2026)
1.15%
State Government Securities (12/08/2025)
0.28%
State Government Securities (06/11/2025)
0.11%
0% GOI - 06MAY30 STRIPS
5.69%
Aditya Birla Sun Life Arbitrage Fund - Growth - Direct Plan
35.95%
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth
35.79%
Aditya Birla Sun Life Corporate Bond Fund - Growth - Direct Plan
22.05%
Aditya Birla Sunlife Floating Rate Fund - Direct Plan - Growth
6.03%
Clearing Corporation Of India Limited
13.06%
Net Receivables / (Payables)
2.26%
ICICI Bank Limited
1.93%
HDFC Bank Limited
2.23%
Larsen & Toubro Limited
0.51%
Hindustan Petroleum Corporation Limited
2.33%
LTIMindtree Limited
2.26%
Tech Mahindra Limited
0.48%
AU Small Finance Bank Limited
2.09%
Godrej Consumer Products Limited
0.52%
State Bank Of India
0.88%
Bharat Petroleum Corporation Limited
1.97%
Jindal Steel & Power Limited
1.94%
Eternal Limited
0.23%
Cipla Limited
0.18%
ICICI Lombard General Insurance Company Limited
1.79%
Axis Bank Limited
0.77%
Sun Pharmaceutical Industries Limited
0.64%
Reliance Industries Limited
3.24%
Kirloskar Oil Eng Ltd
1.72%
Adani Ports And Special Economic Zone Limited
1.70%
Prestige Estates Projects Limited
1.65%
SBI Life Insurance Company Limited
0.28%
GAIL (India) Limited
1.57%
Hindalco Industries Limited
0.85%
SJS Enterprises Pvt Limited
0.42%
Kajaria Ceramics Limited
1.56%
InterGlobe Aviation Limited
1.51%
AIA Engineering Limited
1.45%
V-Guard Industries Limited
0.07%
Bajaj Finserv Limited
1.44%
Titan Company Limited
0.90%
Kotak Mahindra Bank Limited
0.32%
Praj Industries Limited
0.24%
Cummins India Limited
1.23%
Balrampur Chini Mills Limited
1.21%
EClerx Services Ltd.
1.20%
Angel Broking Limited
1.20%
APL Apollo Tubes Limited
1.19%
Fortis Healthcare Limited
0.88%
Affle (India) Limited
1.16%
Coforge Limited
1.84%
Home First Finance Company India Limited
1.10%
Persistent Systems Limited
1.09%
Emcure Pharmaceuticals Ltd
1.08%
L&T Technology Services Limited
1.04%
JK Cement Limited
1.03%
Avenue Supermarts Limited
0.37%
TVS Motor Company Limited
1.03%
Atul Limited
1.02%
Cyient Limited
1.01%
Bajaj Finance Limited
1.75%
BSE Limited
0.31%
Greenply Industries Ltd
0.99%
Eureka Forbes Ltd
0.98%
Sobha Limited
0.96%
Craftsman Automation Ltd
0.96%
Mahanagar Gas Limited
0.92%
Shivalik Bimetal Controls Ltd
0.92%
Sona BLW Precision Forgings Limited
0.33%
ALEMBIC PHARMACEUTICALS LIMITED
0.91%
Cholamandalam Investment And Finance Company Limited
0.10%
NTPC Limited
0.20%
IPCA Laboratories Limited
0.84%
Bikaji Foods International Ltd
0.72%
United Breweries Limited
0.70%
Poonawalla Fincorp Limited
0.70%
Metro Brands Limited
0.69%
The Federal Bank Limited
0.58%
PI Industries Litmited
0.64%
VRL Logistics Limited
0.55%
Blue Star Limited
0.53%
Supreme Industries Limited
0.47%
Orient Electric Ltd.
0.43%
CreditAccess Grameen Limited
0.26%
Government Of India (17/04/2030)
3.02%
Infosys Limited
0.78%
Bharti Hexacom Limited
3.18%
UltraTech Cement Limited
0.80%
SAI Life Sciences Ltd
2.63%
TD Power Systems Limited
0.60%
Brigade Enterprises Limited
2.28%
Bajaj Auto Limited
0.56%
Dixon Technologies (India) Limited
0.52%
SBFC Finance Ltd
0.41%
Max Financial Services Limited
0.85%
Oil & Natural Gas Corporation Limited
1.16%
Vedanta Limited
1.13%
Torrent Pharmaceuticals Limited
0.44%
Bank Of Maharashtra
0.35%
CIE Automotive India Ltd
1.01%
Mrs Bectors Food Specialities Limited
0.30%
Voltas Limited
0.88%
Whirlpool Of India Limited
0.32%
Thermax Limited
0.80%
H.G. Infra Engineering Limited
0.27%
Vinati Organics Limited
0.43%
Bank Of Baroda
0.37%
TIMKEN INDIA LTD
0.60%
Birlasoft Limited
0.38%
Container Corporation Of India Limited
0.15%
Medi Assist Healthcare Services Ltd
0.21%
8.55% HDFC Bank Limited (27/03/2029)
5.93%
Government Of India (14/08/2033)
20.19%
Government Of India (22/04/2064)
9.01%
State Government Securities (24/06/2025)
5.73%
Government Of India (06/02/2033)
9.13%
0% GOI - 16DEC25 STRIPS
0.25%
Bharti Airtel Limited
1.06%
METROPOLIS HEALTHCARE LIMITED
0.96%
Apollo Hospitals Enterprise Limited
0.42%
Abbott India Limited
0.24%
Government Of India (08/04/2026)
42.47%
Government Of India (05/12/2033)
17.25%
State Government Securities (28/12/2026)
1.44%
State Government Securities (14/10/2025)
1.35%
State Government Securities (31/03/2026)
1.15%
State Government Securities (12/08/2025)
0.28%
State Government Securities (06/11/2025)
0.11%
0% GOI - 06MAY30 STRIPS
5.69%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity 3.14

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.07
Expense Ratio Direct
0.84
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mr. Dhaval Shah
Experience
Mr. Jonas Bhutta
Experience
Mr. Chanchal Khandelwal
Experience
Mr. Harshil Suvarnkar
Experience
Mr. Dhaval Joshi
Experience
Mr. Mohit Sharma
Experience
Mr. Kaustubh Gupta
Experience
Mr. Kaustubh Gupta
Experience
Mr. Harshil Suvarnkar
Experience
Mr. Dhaval Shah
Experience

Exit load

Nil

FAQs

Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?